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US Immigrant Health Insurance

New US Immigrant Insurance, Compare to buy best US health insurance for new immigrants

US Immigrant health insurance plans offered here provide medical insurance for new US immigrants (Green Card holders sponsored by family members) and potential immigrants (H4 & F2 visa holders) till they are eligible for domestic insurance.

Travel insurance for Coronavirus (COVID-19)

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Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica.
There are currently three US insurance providers namely Trawick International, INF insurance and Global Underwriters who offer US Visitors insurance coverage for coronavirus.

Trawick International Insurance:

Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Insurance.The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years . You can compare all Safe Travels USA Insurance plans compare all Safe Travels USA Insurance plans and buy it online to get coverage as early as the following day.

Global Underwriters:

Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.

INF travel insurance:

INF Insurance offers visitors health insurance for coronavirus in the US, Canada and Mexico. INF insurance covers covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite Network insurance and Premier Insurance are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance.

As ever, we wish you safe and happy travels. Do call us with questions or concerns you may have.

US Immigrant insurance useful links

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US Expatriate Insurance

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Comprehensive plans pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.

Visit USA Standard by Travel Insurance Services

Maximum coverage^#1

Deductible^#2

Key Features: Standard Plan offers coverage for unexpected illness and injury along with travel assistance benefits. More...

$33.79 PER MONTH

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Patriot America Plus by International Medical Group

Maximum coverage^#1

Deductible^#2

Pre-Existing Cover

YES NO

Key Features: Great coverage for a great price. Offers coverage for pre-exixisting conditions upto plan maximum. More...

$37.00 PER MONTH

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Atlas America by TokioMarine HCC

Maximum coverage^#1

Deductible^#2

Key Features: Always eligible for purchase no matter what age and how long a person has been in the US More...

$42.16 PER MONTH

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Fixed benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Visitor's Care by International Medical Group

Maximum coverage^#1

Deductible^#2

Eligibility Over 65 years plan must begin within 30 days of arrival in the US

Key Features: Coverage for pre-existing conditions regardless of age More...

$38.00 PER MONTH

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Inbound USA Choice by Seven corners

Maximum coverage^#1

Deductible^#2

Eligibility Plan must be bought within 12 months of arrival in US

Key Features: It covers acute onset of pre existing condition up to the age of 79. More...

$49.91 PER MONTH

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INF Standard by INF

Maximum coverage^#1

Deductible^#2

Eligibility The minimum enrollment is 30 days for INF Standard

Key Features: This is the only insurance for visitors which covers Urinary Tract Infection. More...

$63.55 PER MONTH

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#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.

#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

US Health insurance for new immigrants are long term plans, some being renewable even up to three years. They cover medical expenses incurred during sudden illness or injuries. Some plans like the Geo Blue Explorer can also cover pre-existing medical conditions and preventive care, but policy issuance is not guaranteed and needs have an underwriting approval.

Find the best US New Immigrants health insurance plans

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US immigrant insurance required for US visa

On October 4th, 2019, the Donald Trump administration announced that the US government will insist on proof of health insurance for arriving immigrants without which visas to enter the US will be denied. This rule is effective from November 3rd 2019. The Trump administration states that new immigrants who enter the US without proper US immigrant insurance add to the burden of US taxpayers for the cost of their healthcare.

Once this policy comes into effect, prospective new US immigrants would be asked for proof of immigrant health insurance coverage. The Visas can be denied if the consular office is not satisfied by the provided proof of health insurance in the US.

US Immigrant Insurance - Frequently asked questions

Why do immigrants need US immigrant insurance?

It is very risky for anyone to be uninsured in the US, especially new immigrants who soon after arriving in the USA are particularly vulnerable given the new environment that they are in.
There is a waiting period till new US immigrants are eligible for Medicare or to purchase domestic health insurance. Immigrants can however buy new US immigrant insurance plans as an interim coverage.

Can a US immigrant get health insurance?

Yes, there is immigrant health insurance, or health insurance for permanent residents available. However it must be noted that domestic US medical insurance for Green card holders including Medicare and Medicaid have a waiting period of five years. US immigrants are eligible for Medicaid coverage only if they satisfy the resident state’s income or residency rules.

It is important to buy temporary US immigrant health insurance till Green card holders become eligible for domestic insurance plans. The visitor health insurance plans that we offer also work very well as health insurance while waiting for Green card. Given the high cost of US health care, it is very important to have health insurance for elderly immigrant parents and medical insurance for Green card holders even before they become eligible for domestic US plans

Likely US immigrant medical insurance customers

The coverage offered under affordable US immigrant insurance plans vary depending on the specific circumstances of new immigrants. Following are some of the eligibility criteria for green card holders:

Frequently traveling Green Card Holders (between the US and home country): Green card holders who travel to their home country or who may not be staying permanently in the USA are advised to buy new US immigrant health insurance coverage. You should be aware that new immigrants health insurance in USA will not provide coverage for preventative care (health check ups, vaccinations...) or has limited coverage for pre-existing medical conditions.
Green Card Holders permanently living in the USA: If a US green card holder is living permanently here then he or she is eligible for domestic health insurance plans. However this depends on the duration of stay in US. If you are below 65 years then you are eligible for domestic health insurance plans such as Blue Cross, Blue Shield, however they are usually eligible only after living in the US for 6 months or more. In this case also, purchasing insurance till they become eligible for domestic plans makes sense. For those above 65 years who are not yet eligible for Medicare or domestic health insurance, new immigrants over 65 can select INF insurance
Recent Green Card Holders or New Immigrants: New immigrants who can be parents or family members who have recently arrived in the USA can buy insurance depending on the duration of stay. These plans can be purchased for the period till you are eligible for domestic health insurance.
Applied for Green Card and waiting: If your children/grandchildren have applied for Green Card and waiting you can buy insurance coverage which will be suitable for them.

Can I buy US immigrant health insurance after coming to the USA?

Yes! We do recommend that you make your purchase before you leave to start the day you leave your home country until the day you return (bearing in mind the policies are based off of EST). However, you can still buy a policy after you have started your journey. Of course, if you or your visitor is already sick and/or in the hospital, you will not get coverage for that incident. You must have an US immigrant insurance policy in place before something adverse occurs (which is why we recommend covering your entire trip from start to finish).

However, sometimes people wait to see what their visitors may want and to discuss options with them. Do not delay because some policies will no longer be an option if you wait too long. Generally, however, all options are open within the first month of arrival to your destination AND these limitations are only for plans which cover trips to the US. International travel has no limitations, so you can buy USA new immigrant health insurance at any time.

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US Immigrants health insurance plans highlights

Many options for short and long term stays in US and abroad.
Some plans are renewable monthly, quarterly, semi-annual, or annually.
Some plans can be enrolled even 24 months after arriving in the United States.
Affordable New US Immigrants health insurance plans provide an interim bridge coverage till you are eligible for US domestic health plans.

US Immigrants Medical Insurance Options

Short term health insurance options (5 Days - 12 Months)

Medical insurance for Green Card holders
Options for temporary coverage
Options for fiancee insurance (K visa)
Options for Illegals in the US

Illegals in the US

Unfortunately, we cannot suggest a plan for you. Even though the insurance companies have no way to check your legal status in the US, if you submit a claim, they may ask to see your passport for eligibility purposes. At that point, if they see you are illegally in the country, they may refuse to pay for your expenses and your policy will be worthless even though you have paid for it. ANY legal status (dreamer under NACA, fiancee visa, etc) will allow you to purchase a plan while out of your home country.

Long term health insurance options (one year or longer)

Options for long term major medical coverage
Options for Illegals in the US

Illegals in the US

Unfortunately, we cannot suggest a plan for you. Even though the insurance companies have no way to check your legal status in the US, if you submit a claim, they may ask to see your passport for eligibility purposes. At that point, if they see you are illegally in the country, they may refuse to pay for your expenses and your policy will be worthless even though you have paid for it. ANY legal status (dreamer under NACA, fiancee visa, etc) will allow you to purchase a plan while out of your home country.